Federal credit union · Stoughton, Massachusetts · NCUA charter #17437
Stoughton Town Employees
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $2.5M
- Total assets
- 477
- Members
- 16.8%
- Net-worth ratio
Stoughton Town Employees scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 477; net-worth ratio 16.84%; health rank #323 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#323 of 4,374 health · 2025Q4Stoughton Town Employees · health 95/100 · $2.5M · 2025Q4
- ASSETS 95/100
- MEM 16.8%
- RANK 0.21%
- PHOTO 1.29%
- BOOK $2.5M
- CHARTER 477
- NCUSIF #323/4,374
- CAMELS n/a
- HEALTH 17437
Call Report peers
Stoughton Town Employees carries $2.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Stoughton Town Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Stoughton Town Employees - Share Insurance Coverage
Charter #17437's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Stoughton Town Employees vs $2M–$10M peers
- Largest favorable gap: Loan-to-Share Ratio at 74.86% vs peer 63.60% (+11.26 pp).
- Largest lag: Net Worth Ratio at 16.84% vs peer 19.06% (-2.22 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Stoughton Town Employees: in-state Call Report ranks
- In Massachusetts, health place is #6 of 126 on the same NCUA-ratio sort used nationally.
- Massachusetts assets place: #119 of 126.
- Massachusetts membership ordinal: #115 of 126.
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Stoughton Town Employees Call Report trajectory
Stoughton Town Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.8% from $2.5M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted +0.74 pp (16.10% → 16.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.84% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.8 pts
- Loan-to-Share Ratio 15.2 pts
Stoughton Town Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.84% | -2.22 pp |
| Delinquency Rate | 0.21% | -1.60 pp |
| Return on Assets | 1.29% | +0.84 pp |
| Member Growth | 0.63% | - |
| Loan-to-Share Ratio | 74.86% | +11.26 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.4M | - |
| 2025Q4 | $2.5M | 477 |
| 2024Q4 | $2.7M | 474 |
| 2023Q4 | $2.7M | 467 |
Credit Union Details
- Charter Number
- 17437
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Massachusetts
- City
- Stoughton
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Stoughton Town Employees.
| Office | City |
|---|---|
| MAIN OFFICE-10 Pearl St (Main Office) | Stoughton, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Stoughton Town Employees
Stoughton Town Employees's nationwide photo peers by assets and by health score, excluding Massachusetts charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- Stoughton Town Employees ranks #323 of 4,374 nationally on financial health and #6 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Boston Customs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Boston Customs
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Stoughton Town Employees financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - Stoughton Town Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #323 of 4,374; by total assets it ranks #4,096 of 4,374 nationally (same basis as /rankings/largest); and #119 of 126 within Massachusetts. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.84% net worth ratio and 0.21% delinquency rate are the key drivers.
How does Stoughton Town Employees compare to other credit unions?
95/100 is Stoughton Town Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Stoughton Town Employees?
Stoughton Town Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Stoughton Town Employees directly to confirm current membership steps.
Is my money safe at Stoughton Town Employees?
Federal credit unions like Stoughton Town Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Stoughton Town Employees's net worth ratio of 16.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Stoughton Town Employees offer compared to banks?
Credit unions like Stoughton Town Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Stoughton Town Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.